---
title: "biBerk vs HUB International: Commercial Auto Insurance"
description: "HUB lists long- and short-haul options, hired/non-owned exposures, towing, lease gap, and other coverage options; biBerk describes listed autos, with hired/non-owned vehicles potentially addressed through GL or BOP."
canonical: "https://spot.insure/compare/biberk-vs-hub-international/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "biberk-vs-hub-international"
provider-a: "biberk"
provider-b: "hub-international"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/biberk-vs-hub-international/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of biBerk and HUB International for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about biBerk versus HUB International. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- biBerk vs HUB International for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, biBerk or HUB International?
- What does biBerk or HUB International publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Auto Insurance from biBerk or HUB International?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: biBerk and HUB International.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [biBerk vs HUB International](https://spot.insure/compare/biberk-vs-hub-international) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [biBerk profile](https://spot.insure/insurance-providers/biberk) — provider profile (evidence)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [biBerk vs HUB International Business Owner’s Policy](https://spot.insure/compare/biberk-vs-hub-international/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs HUB International Cyber Insurance](https://spot.insure/compare/biberk-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [biBerk vs HUB International General Liability Insurance](https://spot.insure/compare/biberk-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [biBerk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/biberk-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [biBerk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/biberk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [biBerk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs biBerk Commercial Auto Insurance](https://spot.insure/compare/aig-vs-biberk/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs biBerk Commercial Auto Insurance](https://spot.insure/compare/aon-vs-biberk/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)

# biBerk vs HUB International: How Do They Compare for Commercial Auto Insurance?

HUB lists long- and short-haul options, hired/non-owned exposures, towing, lease gap, and other coverage options; biBerk describes listed autos, with hired/non-owned vehicles potentially addressed through GL or BOP.

## How to Use the biBerk vs HUB International Commercial Auto Insurance Comparison

Use this comparison to evaluate biBerk and HUB International for Commercial Auto Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## biBerk vs HUB International Commercial Auto Insurance Summary

HUB’s product-page list includes long- and short-haul options, hired/non-owned exposures, towing, lease gap, liability, and medical payments. biBerk says only listed autos are covered, subject to limited exceptions, and hired/non-owned autos may be added through GL or BOP. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online")

## What Is biBerk Insurance?

biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. [1](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple")

[biBerk profile](https://spot.insure/insurance-providers/biberk)

## What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/contact-us/ "Contact Us") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## What Are the Key Differences Between biBerk and HUB International Commercial Auto Insurance?

### Hired and Non-Owned Exposures

HUB lists hired and non-owned auto exposures among its commercial-auto options. biBerk says its auto policy covers listed vehicles and that hired/non-owned autos may be added through general liability or a business owners policy. For a fleet using employee-owned or rented cars, compare which contract responds and what limits the quote shows. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online")

### Fleet Options and Purchase Route

HUB positions commercial auto for fleets and transportation businesses and directs prospects to a broker; biBerk provides an online quote path with phone help and lists vehicle types to explore. These routes serve different submission preferences; confirm quote acceptance against the details of your fleet. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online")

## What Should You Confirm in biBerk and HUB International Commercial Auto Insurance Quotes?

- Ask HUB to show whether towing, lease gap, and hired/non-owned exposures are included; ask biBerk which GL/BOP form addresses autos outside its schedule. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online")

- Ask HUB which fleet information its broker needs and which insurer is proposed; ask biBerk which vehicle types the quote will accept. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online")

## biBerk vs HUB International Commercial Auto Insurance Compared

| Criteria | biBerk Commercial Auto | HUB International Commercial Auto Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | Confirm in your quote. | The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there..) |
| Who It’s For | biBerk lists cars, pickups, vans, trucks, food trucks, buses, motorcycles, tow trucks, trailers and other business vehicles as eligible vehicle types to explore. [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business business-use auto. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page description; not a published underwriting appetite by fleet size or vehicle class..) |
| Coverage Features | The page describes bodily-injury/property-damage liability, medical-payments/no-fault and uninsured-motorist coverage examples. [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk says only vehicles listed on the policy are covered; its page describes limited temporary-rental and replacement-vehicle exceptions, while hired/non-owned vehicles may be added through GL/BOP. [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto vs HNOA. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; the stated exceptions are page-specific summaries and exact issued terms govern..) | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) |
| Risk Services | Confirm in your quote. | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability, not an independently assessed outcome..) |
| How to Apply | biBerk provides an online quote path and phone help for commercial auto. [3](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: commercial auto. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. [7](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Related Pages for biBerk vs HUB International Commercial Auto

- [biBerk vs HUB International](https://spot.insure/compare/biberk-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [biBerk vs HUB International Business Owner’s Policy](https://spot.insure/compare/biberk-vs-hub-international/business-owners-policy)
- [biBerk vs HUB International Cyber Insurance](https://spot.insure/compare/biberk-vs-hub-international/cyber)
- [biBerk vs HUB International General Liability Insurance](https://spot.insure/compare/biberk-vs-hub-international/general-liability)
- [biBerk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/biberk-vs-hub-international/professional-errors-omissions)
- [biBerk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/biberk-vs-hub-international/umbrella-excess)
- [biBerk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-hub-international/workers-compensation)
- [AIG vs biBerk Commercial Auto Insurance](https://spot.insure/compare/aig-vs-biberk/commercial-auto)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto)
- [Alliance Risk vs biBerk Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/commercial-auto)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto)
- [Aon vs biBerk Commercial Auto Insurance](https://spot.insure/compare/aon-vs-biberk/commercial-auto)
- [Aon vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-auto)

## Sources for biBerk vs HUB International Commercial Auto Insurance

### Sources About biBerk

1. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
2. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
3. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; Vehicle eligibility, coverage, exclusions and FAQs. Accessed 2026-09-28.

### Sources About HUB International

4. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
5. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
6. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
7. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23.

### Sources for the Commercial Auto Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## biBerk Review Scores for 2026

Review Score: 9.0 / 10 from 3 rated sources, equally weighted.

Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.

- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/biberk-vs-hub-international/commercial-auto.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)